Indian Banking System

Paper Code: 
CBFS 102
Credits: 
4
Contact Hours: 
60.00
Max. Marks: 
100.00
Objective: 

The course will enable the students to acquaint the students with the fundamental of Banking and enrich them with the knowledge of structure and operations of Indian banking System.

12.00
Unit I: 
Banking system in India

Evolution of Banks in India, Nationalization of banks: objective, Achievements and Failures Structure and Classification of Banks in India, Recent Trends in Banking System: Social Banking, Innovative Banking. Defects of Indian Banking System, Recent Banking Reforms(overview of Basel II and Basel III)

12.00
Unit II: 
Reserve Bank of India

Evolution, Objectives, Organization Structure, Functions-Traditional, Promotional, Credit control. Deposit insurance Corporation, Achievements of RBI

12.00
Unit III: 
Commercial Banking

Evolution, Functions, Present Structure of commercial banks, Credit creation by commercial banks, Role of commercial Banks in developing economy.
Modes of Commercial banking- Merits and demerits of Branch banking, Unit Banking, An Overview of Small Finance banks, payment banks, Chain Banking, Deposit Banking , Universal Banking, Corporate banking.

12.00
Unit IV: 
Co-Operative and Rural Banking, RRB and NABARD

Co-Operative and Rural Banking: Commercial banks Vs. Cooperative banks, Structure of Cooperative Banking system in India-Primary Agricultural Societies, , Central Co-operative banks , State Cooperative banks ,Urban cooperative banks, Land development Banks
Regional rural Banks (RRBs): Organisation, Function, Progress, problems faced By RRBs, suggestions for improvement.
National Bank for Agriculture and rural Development(NABARD): Objectives and Function

Unit V: 
Development Banks and Relationship Banking

Development Banks: Development banks In India-IFCI,IDBI,ICICI,SIDBI,EXIM,SFC
Relationship Banking: - Introduction, Features, Process of Developing Relationship with Customers, Formulating Relationship Banking Strategy.

Essential Readings: 

P.N. Varshney, Banking law and Practice, Sultan chand and Sons, Delhi
• B.S. Khubehandani, Practice and Law of Banking, MacMillian India Limited
• Jain, Khanna, Tiwari, “ Banking and Public Finance” V.K India Enterprises, New Delhi.
• Natarajan S, Parameshwaran R, “ Indian Banking” S.Chand& Company LTD, New Delhi
• L.M.Srivastava and Divya Nigam- “ Management of Indian Financial Institutions”, Himalaya Publishing House, New Delhi

Academic Year: